What happens if your landlord tries to return your $500 security deposit but they don’t have your forwarding address? Or the company whose stock you bought in college is trying to send you dividend checks in the mail, but they never get cashed? In both cases, your money becomes “unclaimed property”.
After claiming your money, bank your funds somewhere you can watch them grow* – Chime® offers 2.00% APY7 with no monthly fees2
In total, Americans have $42 billion in unclaimed property, creating the world’s largest financial lost-and-found. On average, 1 in 10 Americans have unclaimed property in the form of uncashed checks, forgotten deposit boxes, and more just lying around waiting for their owners to come claim them.
Could you have unclaimed cash? How can you check? Let’s investigate.
What’s Ahead:
What is “unclaimed property”?
Unclaimed property is a financial asset that has an owner, but the owner hasn’t come to get it.
The most common examples of unclaimed property are checks that haven’t been cashed. These could be returns of security deposits for rent or utilities, final pay stubs, refunds, class action settlements, stock dividends, royalty payments, and more (all the more reason you should give your direct deposit information whenever possible).
Other examples that probably aren’t as applicable to the under-30 crowd include long-dormant savings and checking accounts, life insurance payouts, and tangibles such as forgotten security deposit boxes.
How and why does property go unclaimed in the United States?
Property goes unclaimed all the time in the United States, mostly because financial entities are unable to contact owners.
Let’s say your old leasing company tries to return your $500 security deposit. However, without your direct deposit information or your forwarding address, they’re kind of stuck. They might try to reach out to you via email or your cell, but most states only require the holder of the property to reach out to the owner via snail mail once.
If you don’t claim your $500 after the, erm, letter, the $500 enters a “dormancy period” of typically one year before the financial institution holding the money must officially declare it as unclaimed property to the state.
So basically, if you don’t cash your $500 check within a year of moving out, your leasing company will turn it over to the “lost and found” aka the state government.
What are the laws surrounding unclaimed funds?
Laws surrounding unclaimed property areextremely strict. Financial institutions are not allowed to keep the unclaimed property under any circumstances; they must report it to the state immediately after the dormancy period.
If they don’t, and try to pocket the goods, they’ll get into immense trouble with the IRS. Furthermore, there’s no statute of limitations on unclaimed property so the feds can come knocking anytime, and audit companies back for decades to make things right.
The lengths our government goes to in order to protect unclaimed property for individual Americans is pretty awesome, if you ask me. Without those property protection laws in place, many companies would probably begin leveraging every manipulation tactic in the book to cheat consumers like us out of our rightful property. For example, a lot of checks from financial institutions to individuals might start mysteriously disappearing from the mail…
After all, how would you feel if your landlord simply waited for you to forget about your deposit and spent your $500 on some tacky lobby statue?
Do unclaimed property laws change based on location?
Yes; each state has their own unclaimed property laws. Variables like dormancy periods, due diligence, and more might vary across borders.
For example, Alabama’s dormancy periods average three years, but for some reason, financial entities don’t have to report traveler’s checks as unclaimed until they’ve gone un-cashed for 15 years.
In New York, holders of the property must perform the following due diligence at least 90 days prior to reporting the property as unclaimed: contact the owners via snail mail at least once, twice if the value of the property exceeds $1,000.
Most states have similar laws calling for such comically little “due diligence.” But in all seriousness, I totally get it; companies don’t hire teams of private investigators to find Steve, who never cashed his $6.47 dividend check back in 2009. Rather, it’s our responsibility as consumers and patrons to keep our contact information up to date and make it easy for these institutions to pay us.
Who’s tracking unclaimed property?
Once the financial entity holding the unclaimed property reports it to the state, the state tracks it on a government-run database, accessible through a web portal.
While each state runs and maintains their own unclaimed property database, you don’t have to search every state you’ve lived in individually. Thankfully, there are trustworthy third-party sites that can show you a bird’s eye view of all the states where you have unclaimed property.
The two most popular unclaimed property sites are missingmoney.com and unclaimed.org. I like them both for different reasons.
Missing Money cuts to the chase, letting you find out if you have unclaimed property, and in which states, in less than a second. All you have to do is plug in your name and voila, a list with links to claim in each state appears (more on that in the next section).
Unclaimed.org, the official site of the National Association of Unclaimed Property Administrators, is a better destination for simply learning more about unclaimed property in general. It features a search function, but it’s less usable and accessible than Missing Money. Still, there’s tons to learn on Unclaimed.org if you’re curious to know more about this strange phenomenon.
How can I find out if I have unclaimed funds?
You can find out if you have unclaimed property in seconds by plugging your full, legal name into Missing Money’s search bar.
To my shock, I was one of the lucky Americans with unclaimed property. Woohoo!
One quick look at the “Reported By” column and I knew exactly what had happened. I own some shares of Disney stock and they’ve apparently been sending my dividend checks to an old address in Wisconsin. It’s been going on for so long that my unclaimed cash has accumulated into a nice pile that will cover my fall latte budget.
How can I claim my unclaimed funds?
If you also have unclaimed funds, all you have to do is click CLAIM next to your name (Missing Money will list everyone else with your name, so be sure to click the one that matches your current/past address to confirm it’s you).
Using the CLAIM button I was redirected to the WI state government website where I followed some pretty logical steps to complete my claim. To nobody’s surprise, the first thing they asked for was my direct deposit information.
Next, Wisconsin (and I assume most other states) requires you to provide three documents to prove your identity: a government-issued ID, proof that you lived at the address associated with the claim, and proof of your social security number.
My ID and work documents covered #1 #3, but #2 was a bit more of a challenge. I dug through my inbox and thankfully found a scan of my old lease for the building, so I submitted that.
Once I’d submitted everything and provided my digital signature confirming I wasn’t a bad guy, I finally reached the confirmation page. I wasn’t too surprised to see that it would take six to eight weeks for an update, and I expect it will take even longer due to COVID-19.
Even still, I’m grateful that I not only had unclaimed property, but that Disney reported it, the state government of Wisconsin tracked it, and the claim submission process was rigorous but user-friendly.
If you haven’t already, I very strongly encourage you to spend a minute on Missing Money, searching for unclaimed property belonging to you or your loved ones.
While technically there’s no big rush to claim your unclaimed property, it’s not doing anyone any good just sitting in a state escrow. You might as well file a claim and grab it now so you can begin multiplying it!
What should I do with my money once I receive it?
If it’s money you don’t need right now, why not toss it into a savings account and let it accumulate a little interest? I’m a fan of both Chime and the CIT Bank Savings Builder as options.
With a Chime Automatic Savings Account, you’ll enjoy an above-average interest rate of 2.00% APY7 right off the bat. Plus, you’ll have the option to round up every purchase to the nearest dollar, depositing the change into savings and filling your monthly statements with clean, whole numbers. ^
Open a CIT Savings Builder Account and you’ll score up to 1.00% APY compounded daily. In order to keep that sweet compounding interest, CIT requires you to maintain a balance of $25,000 or deposit at least $100 monthly, which I see as a perk; it ensures that you don’t neglect your savings account, lest you totally forget about it and find it on Missing Money in 10 years! See details here.
CIT Bank. Member FDIC.
* Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. ^ Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account. 2 There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account. 7 The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.
Summary
I’ll admit that when I was first assigned to investigate “unclaimed money and how to get it”, I thought it sounded super sketchy. But nothing could be further from the truth.
Reclaiming your unclaimed money from the government is a smooth process, and one that you should repeat at least once a year. After all, it only takes a few seconds to check. Plus, searching for any unclaimed property could be a great way to share something new with your folks and even fund Christmas this year.
After being settled in our loft for nearly two and half years now, it’s easy to feel like there isn’t really much more for me to do design-wise. Given the small space, we’re pretty set with what we’ve got. But as I finally finished getting all the holiday razzle dazzle put away, I was really getting the itch to make the space feel new again…without making any major changes. With the new house renovations about to get going finally!!, I’m looking to tread design water for a while. And that’s a tough pill for a constant rearranger like me to swallow! I’m quite confident many of you can relate.
To scratch my decorating itch I surveyed our main living space looking for one little change that would have a big impact – and I think found it! By making a simple switch up, our living room suddenly feels brand spanking new. Can you spot what’s different? You can check out before shots here!.
I swapped our living room rug! Tucking my lovely shag Moroccan into storage for safe keeping, I wanted to bring in something with a bit more pop and this bold graphic option from Loloi Rug’s Alder Collection was just perfect! Loloi Rugs is a bit of a hidden gem since they’re a wholesaler, so be sure to ask your favorite design store or online retailer to add them to their rug line! Laid down right on top of our existing sisal, there was no need for a rug pad – the sisal adds the cushion needed to buffer the rug’s flat weave. I love that the new rug is nice and neutral, yet the geometric print adds life to the room without being overpowering. Coincidentally, it also played right into my current obsession with camel + black decor.
After that, all I needed to do was remerchandise some of my existing accessories! After having all the holiday crap accoutrements around, I’m in a very minimalist mood. Instead of adding things, for this update I focused on taking things away. I swapped pillows from the office for a new look on our window seat, switched around some hides decorating secret weapons! and rotated in my favorite snake plant, a couple design books and only a choice selection of knick knacks. If I wasn’t loving looking at it right now, it was out lucky for Goodwill!.
My proudest little DIY moment? Reurposing some empty frames for a fresh focal point over our fireplace! I’m hesitant to invest in any new art until I’ve finalized the design direction for the house, so this is the perfect placeholder. A few strips of 3M stickies and voila – a little abstract gallery wall should get me through the next few months quite nicely.
I don’t know about you, but I’m rather pleased with how this mini-makeover came together – and in a single afternoon mind you! thank you football playoffs!. The room feels clean, open, refreshed and revitalized and so do I!
Up next – making room for le bebe! Details on that to come soon since we’ve only got a couple months to go. How the heck did that happen??
More ways to update your space for 2015 HERE
A rug related DIY HERE
photography for apartment 34 by Bianca Sotelo // photobombs by Chloe & Bailey
***This post is in partnership with Loloi Rugs. Thoughts, opinions and design 100% our own. Thanks for supporting posts that keep Apartment 34’s doors open.***
Inside: Working mothers face many challenges when balancing work and family life. This guide offers the best jobs for moms. Find out how to maximize your career opportunities while raising children.
Moms often feel like they can’t have a successful career and be a good moms at the same time.
I completely feel that way too. I struggled to be a stay-at-home mom when my kids were little because I wanted to help out financially to help pay down debt. It took me a few years, but I soon realized there are great ways to make a mom and be a great mom!
I have uncovered plenty of jobs for moms with no degree that offers flexible hours, good pay, and satisfying work.
The best jobs for moms with no degree are ones that offer flexibility, good pay, and room for growth.
It can be tough to balance family and career, but it is possible to find a job that fits your lifestyle.
Here are the best jobs for moms with no degree or with a degree.
What jobs are good as a mom?
As a mom, finding a job that allows for flexibility and growth can be challenging, especially if you don’t have a college degree.
However, there are still plenty of opportunities out there that can help you balance your family and career.
Most importantly, you need to find a job that you LOVE! An environment that you thrive in!
With flexible schedules, remote work options, and potential for growth, these jobs can provide the stability and income moms need while still being able to prioritize their families.
Whether you’re looking for a part-time job or a full-time career, there are plenty of opportunities out there for moms.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
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What are the best careers for current stay-at-home moms?
Stay-at-home moms face the challenge of balancing their family responsibilities with the desire to pursue a career.
With the high cost of child care, you need to find a job that allows you to take your kids or one that offers flexibility to work around your kid’s schedules.
Hello- that is me! I am a blogger and day trader when I’m not taxing my kids around.
Your best bet is to check out how to make money online for beginners. That is where you will find the most job options that can be done from home or offer flexible schedules, making it possible to have the best of both worlds.
What are the best careers for former stay-at-home moms?
Returning to the workforce after being a stay-at-home mom can be a daunting task, but there are many careers that are best suited for moms.
You still want careers that offer flexibility, high earning potential, and a good work-life balance.
You need to consider your previous employment, any education or certificates you hold, or skills and/or interests.
As such, the answer will vary for each person reading this post. So, consider any one of these past ideas.
Best Jobs for Moms
There are plenty of great jobs for working moms.
The key is to find a position that offers the right mix of income, hours, and flexibility.
Preferably, you want a low-stress job that pays well without a degree.
Here are jobs to consider if you’re a working mom with no degree.
1. Web developer
Web development is a highly flexible and lucrative career option that is ideal for working moms who may not have a college degree. With the ability to work remotely or part-time, web development is a perfect fit for moms who need a flexible schedule.
This field is rapidly growing and in high demand, making it an excellent choice for those looking for a career change.
To become a successful web developer, proficiency in programming languages like HTML, CSS, and JavaScript is essential. Additionally, knowledge of website design and development tools is crucial to create visually appealing and functional websites.
The skills required for web development can be learned through online courses or boot camps, making it accessible to anyone with an interest in technology and design.
Benefits:
Many web developers work from home or have flexible schedules, making it easier for moms to balance work and family life.
The demand for web developers is expected to grow, making it a stable and secure career option.
Web development is a field that allows for creativity and self-expression.
Pay: The salary for a web developer varies greatly on experience, but it is possible to make six figures.
2. Customer Service Representative
Customer service representative is an excellent career option for working moms who do not hold a college degree.
As a customer service representative, you will be the primary point of contact between customers and the organization, providing information about products and services, taking orders, responding to customer complaints, and processing returns.
You can work from home part-time or full-time, and many times the work takes place remotely. To succeed in this role, you will need to have strong communication and negotiation skills, patience, and the ability to multitask.
Benefits:
The work environment is flexible, and you can work from the comfort of your home.
Job offers great work-life balance and schedule options, making it an ideal choice for working moms.
Pay: As a customer service representative, you can expect to make from minimum wage to $20 an hour.
3. Proofreader
Being a proofreader can be a rewarding and fulfilling career for individuals who have a way with words and a keen eye for grammar. As a proofreader, your primary responsibility would be to review and correct spelling, grammar, and punctuation errors in various types of written content, such as books, websites, and social media posts.
Moreover, the earning potential as a proofreader can be quite lucrative. For instance, Caitlin Pyle, a successful proofreader, made $43,000 in one year working part-time.
To get started as a proofreader, it is important to develop the necessary skills. You can start by attending a free introductory workshop or enrolling in a course that teaches the skills needed to become a freelance proofreader.
Benefits:
Great flexibility as you work on a project basis.
The significant earning potential in the field of proofreading, especially for those who are dedicated and skilled in their craft.
Rewarding career path for individuals with a passion for language and a meticulous eye for detail.
Pay: In terms of salary, the median pay for a proofreader ranges from $15.22 to $26 an hour, depending on experience and the project you are working on. Many other proofreaders earn between $1,000 to $4,000 per month.
4. Flight Attendant
A flight attendant is a career that does not require a college degree but extensive training and certification. It is an ideal job for working moms due to its non-traditional scheduling that allows them to work part-time, take extended periods off, and get out of the house.
Flight attendants can take on trips when they know they have child care covered, and stay at home for days at a time.
Benefits:
Enjoy the perks of travel.
Flexible schedules.
Great health benefits.
Pay: The pay ranges by airline, but the median salary is $65000 per year.
5. Blogger
For moms who are looking for a flexible work-from-home job that doesn’t require a degree, becoming a blogger could be the perfect fit.
With the rise of the internet, there is an increasing demand for content writers and bloggers. These jobs allow you to work from home, set your own schedule, and choose the topics you want to write about. Additionally, these jobs don’t require a degree, making them accessible to anyone who has a passion for writing and a way with words.
Blogging is another option for those who want to write about specific topics they are passionate about and share their insights with others.
Benefits:
Be your own boss.
Flexibility blogging offers – work as much or as little as you want.
Work from home.
Choose the topics you want to write about.
Pay: As a blogger, you are creating passive income through ads, affiliating marketing, and paid sponsorships.
6. Engineer
Returning to work as a mom can be a challenging transition, but leveraging your engineering degree can open up a range of opportunities for you. With your technical skills and problem-solving abilities, there are several career paths that can offer a healthy work-life balance and flexibility to accommodate your family responsibilities.
Here are ways to utilize your degree and still have the flexibility you crave:
Pursue freelance work in your field. As a freelance engineer, you have the freedom to determine your own schedule and take on projects that align with your interests and availability. Platforms like Upwork provide a space for engineers to connect with clients and offer their services on a project basis. This allows you to work on engineering projects from the comfort of your own home, giving you the flexibility to balance work and family life.
Explore part-time or remote positions with engineering firms or companies that value work-life balance. Many engineering firms recognize the importance of accommodating working parents and offer flexible work arrangements. With your engineering background, you can contribute to projects and collaborate with teams remotely, allowing you to work from home and adjust your schedule to meet the needs of your family.
Pursue a career in technical writing or content creation. Many companies and organizations require technical documentation, manuals, and instructional materials to accompany their products or services. With your engineering background, you can leverage your expertise to create clear and concise technical content.
Work as an engineering consultant. As a consultant, you can offer your specialized knowledge and expertise to clients on a project basis. Consulting also provides the opportunity to work remotely or have a flexible work arrangement, making it an ideal option for moms returning to work.
By expanding your knowledge and skill set, you can position yourself for more opportunities and increase your marketability in the engineering field.
Benefits:
This can be done on a freelance basis or as a remote employee, allowing you to work from home and have more control over your schedule.
Take on projects that align with your skills and interests.
Have a fulfilling career that allows you to balance work and motherhood successfully.
Pay: Additionally, engineering offers high earning potential, which can help support a family and provide financial stability. Most engineers earn over $100000 a year.
7. Virtual Assistant
For working moms with no degree, finding a job that balances well with their family life can be a challenge. However, virtual assistant jobs can be the perfect solution.
As a virtual assistant with no experience, you can work from home, set your own schedule, and earn a good income.
A virtual assistant provides administrative support remotely, handling tasks such as email and social media management, scheduling appointments, data collection, customer service, and event planning. The skills required for this job include strong multi-tasking, organizational, and time-management skills, as well as basic computer skills.
Here is a virtual assistant checklist to see if you would enjoy this job possibility.
Benefits:
Be the boss of your own schedule.
Build your own small business if you desire.
Earn significant income
Pay: Most virtual assistants can earn $21 an hour or more pending experience.
8. Teacher
Teaching can be an excellent option for moms who want to work in a field that values education and have the same schedule as their kids.
Plus you can take on one of these summer jobs for teachers to extra cash.
Another option is to become a teacher’s aide that assists teachers in the classroom, helping with tasks such as grading papers, supervising students, and preparing materials. To become a teacher’s aide, you need to have a high school diploma or GED.
Benefits:
Same work hours as your children.
Work in a field that values empathy and care for children, while also providing financial stability and work-life balance.
Most teacher retirement plans are well worth working your full 30 years for that ongoing income post-retirement.
Pay: Unfortunately, teachers are one of the lowest paid salaries for the fantastic work they do. Find out if teachers get paid in the summer.
9. Substitute teacher
Substitute teaching can be an excellent job option for working moms who don’t have a degree. It offers flexibility, a chance to get teaching experience, and a decent daily rate of pay.
A substitute teacher fills in for full-time teachers when they are absent.
This experience can be helpful if you decide to pursue a permanent teaching position in the future.
Benefits:
Allows you to work when your schedule permits. You can note your availability and work as much or as little as you like.
Gain teaching experience without committing to a full school year.
Rewarding job option for some.
Pay: As of right now, there is a shortage of teachers, so the pay for substitute teachers has increased immensely. Substitute teachers can earn a daily rate ranging from $60 to $200, depending on the school district and the region with most substitutes making $22 an hour or more.
10. Consultant
As a consultant, you can use your prior work or life experience to offer solutions and advice to clients in a wide range of areas, including sales, marketing, operations, and management.
Furthermore, consulting can be an ideal way to transition your prior work or life experience into a new career and shorten the time spent in school, making it a great option.
To become a successful consultant, you need to have strong communication skills, the ability to work independently, and experience in your field to run a successful business.
Benefits:
As a consultant, you can enjoy flexible work hours.
The potential to work from home.
Ability to control your schedule.
Pay: The hourly rate for consultants varies depending on the type of consultant and the industry, with some earning high salaries.
11. Day Trader
Swing or day trading is a popular option for individuals who want to work from home and make a living from the stock market. Day traders buy and sell securities within the same day, aiming to make a profit from small price movements.
This job requires a certain set of skills and investing knowledge, as well as specific equipment and software.
It is possible to make money with stocks fast.
Day trading can be a good option for working moms with no degree because it offers flexibility and the potential for high earnings. Personally, I love trading stocks and options. I learned from Teri Ijeoma.
Benefits:
Unlike traditional jobs, day trading allows individuals to work from home and set their own schedules.
Successful traders can make a significant amount of money, with some earning six-figure or seven-figure incomes.
While a degree is not required for day trading, I highly recommend taking this investing course to jumpstart your learning.
Pay: Widely variable as it depends on your risk. You can lose money or make $1000 a day.
12. Claims adjuster
As a claims adjuster, you will be responsible for investigating insurance claims, negotiating settlements, and collaborating with other professionals such as lawyers and medical experts. To become a claims adjuster, you will need to possess relevant experience, strong communication abilities, and proficiency in data analysis.
The work environment can be fast-paced and stressful, but the potential for career growth and the flexibility to work remotely make this an attractive option for many working moms.
Claims adjusters must also maintain accurate records and documentation of all claims activities.
Benefits:
While the work environment can be fast-paced and stressful, the potential for career growth is likely.
Flexibility to work remotely make this an attractive option for many working moms.
Pay: Claims adjusters can advance to higher positions within the insurance industry, such as senior claims adjuster or claims manager. Additionally, many claims adjusters work as independent contractors or consultants, providing even more flexibility and potential for career growth.
13. Bookkeeper
As a bookkeeper, one is responsible for monitoring a company’s cash flow by keeping track of transactions and preserving copies of receipts. The job requires great attention to detail, excellent organizational skills, and an ability to analyze and interpret financial data.
This job can be done virtually, making it an excellent position for moms who want to improve their work-life balance.
Bookkeeping does not require a degree and one can earn a decent hourly pay or salary. To become a bookkeeper, one must have bookkeeping skills, which can be learned from online courses.
Benefits:
Flexible working hours, allowing them to work whenever suits them.
Great for someone who loves analytics.
Pay: Most bookkeepers enjoy relatively high hourly salaries. They can work as independent contractors or be paid as a salaried employee.
14. Nanny
Being a nanny is an excellent option for moms who want to balance work and family life.
As a nanny, you would be responsible for taking care of children, cooking, cleaning, and running errands. The best part about being a nanny is the flexible hours, which allow you to work part-time or full-time while still being present for your family.
Finding a job that allows moms to work while still being present for their families is crucial, and being a nanny provides the perfect solution.
Benefits:
Be able to care for your own children at the same time.
Find a nanny job that works for your circumstances.
Stay young and playful while working with kids!
Pay: The pay varies widely for a nanny, but once you have experience and great references, you can earn good money.
15. Marketing Specialist
Marketing can be an excellent job choice for moms looking for flexibility, potential job growth, and the opportunity to work remotely. With the advancement of digital marketing, moms can now pursue a career in marketing without having to leave their homes or work in a traditional office setting.
As a digital marketer, there are various specializations and skills that can be honed to advance in the field. These include SEO (search engine optimization), web development, content creation, and marketing strategies.
By continuously learning and improving these skills, moms can enhance their professional reputation and open doors to new opportunities within the marketing industry.
Benefits:
Ability to work from home.
Work flexible work hours that can be adjusted to fit their family’s needs.
Digital marketing also offers potential job growth and career development.
Pay: As a marketing specialist, the pay can vary greatly if you work as a freelancer or a bigger corporation.
16. Financial Advisor
Financial advising can be an excellent career path for working moms without a degree, offering flexibility and opportunities for growth.
Honestly, I know many people who have successfully entered the workforce as financial advisors.
The first step towards becoming a financial advisor is to obtain relevant certifications and licenses, such as the Certified Financial Planner (CFP) designation. Once certified, financial advisors can work for a firm or start their own business, providing financial advice to clients.
Pursuing a career as a financial advisor can offer a good salary and work-life balance, making it a great option for working moms.
Benefits:
Help others pursue a life of financial independence.
Perfect for someone who loves numbers!
Pay: The pay for a financial advisor varies greatly, but the median salary is $75000 a year.
17. Writer
Becoming a writer can be a great career choice for moms who want to work from home and have a passion for writing. With flexibility, the potential for a decent income, and no degree required, it’s an accessible and rewarding career path.
Highly recommended to take this writing course to jumpstart your networking opportunities.
As a writer, you can work as a content writer, staff writer, or freelance writer.
Content writers produce content for websites, such as blogs, news aggregators, and e-commerce sites.
Staff writers write articles for publications, such as magazines or newspapers.
Freelance writers write for clients without being permanent employees.
What’s more important is having a way with words, strong research skills, and a passion for writing.
Benefits:
Flexibility to work on a story when you are able to.
For those with a love of English, this is a great way to express yourself.
Pay: While the average hourly rate for writers and bloggers varies, it’s possible to earn a decent income in these fields.
17. Social Media Specialist
As a social media specialist, you will manage social media accounts, create and post content, increase engagement, analyze data, and monitor social media. This role requires skills such as graphic design, writing appealing content, an eye for design, and flexibility.
Moms possess many of these skills naturally, such as multitasking, creativity, and communication. These skills can be applied to social media management, including content creation, scheduling, and community management.
Social media management is also a growing field. As a result, this job can provide moms with a stable income and career growth opportunities while allowing them to prioritize their family life.
Benefits:
Great for those who personally love social media.
Easy to work anywhere.
Pay: With an average salary of $52000 a year, this job can be done from home, making it a perfect fit for moms.
18. Human resources manager
Work-life balance is crucial for working moms, and a career as a human resources manager can provide just that.
Human resources managers are responsible for managing employee benefits, overseeing hiring processes, and handling employee relations. This job offers flexibility, including the ability to work remotely or part-time.
A career in human resources management can positively impact a working mom’s family life by providing a consistent schedule that doesn’t involve weekends or holidays.
Benefits:
HR managers are in high demand in many industries, as every organization requires HR expertise to manage its workforce effectively.
Opportunities for personal and professional growth.
Make a positive impact on employees’ lives.
Ample networking opportunities with employees, upper management, and external stakeholders.
Pay: Human resource managers often receive competitive salaries, with average annual earnings exceeding $120,000.
19. Sell on Printables on Etsy
In recent years, the demand for printable products has grown tremendously, making Etsy a great platform for working moms without a degree to earn a steady income from home.
Printables are digital files that customers can download and print at home, such as wall art, planners, calendars, and invitations.
The best part is that once you create a printable, you can sell it repeatedly without having to invest more time or money.
Check out the list of the most popular printables you can create.
Benefits:
A flexible job that allows you to work from home and set your own hours.
Earn a steady income from a single printable, which means you can focus on creating new products and growing your business.
Able to start s small business.
Pay: This is a passive income. Learn how much these sellers have made.
20. Retail associate
Many moms become retail associates to get a discount from the retailer!
Working in retail can be a rewarding and dynamic career choice. Retail jobs are generally physically demanding, as employees are often on their feet for long periods and may need to lift and move heavy items.
The nature of retail work can also be stressful, especially during busy periods such as holidays or sales events. However, it can also be an opportunity to develop and utilize various skills, particularly when interacting with customers.
Benefits:
Working part-time hours while your children are at school.
Discounts to the retailer you work.
Flexible scheduling hours.
Pay: This is a minimum wage job earning $13 an hour to $18 an hour.
21. Nursing
Nursing is a fulfilling career for moms who enjoy taking care of others.
While most nursing positions require a degree, there are also entry-level jobs available for those without a degree. Certified nursing assistant (CNA) and licensed practical nurse (LPN) are two such positions.
Both positions require certification and training, which can be completed in a matter of months. Pursuing a career in nursing as a working mom without a degree offers the flexibility to balance work and family while also providing the opportunity for career advancement.
Benefits:
Flexible scheduling around what works best for your family.
Ability to work part-time or full-time.
Great career option to take fewer hours while your children are little and more hours when they are in school.
Pay: The average hourly rate for nursing varies depending on where you work. Most certified nurses make between $32 an hour to $50 an hour.
22. Transcriber
As a transcriber, you will listen to audio files and create a document that contains an accurate record of what was said. This is one of the best jobs for moms with no degree, as most transcription companies just require you to pass their test before they give you work.
To become a successful transcriber, you will need fast typing skills, attention to detail, and the ability to sit for long periods of time. You may also need to purchase special transcribing equipment, depending on the company you work for. Most transcription jobs will require the ability to type 75 WPM or more.
This is a great non phone work from home job.
With the right skills and tools, you can become a successful transcriber and earn a decent income. So if you are a fast typer with an eye for detail, consider taking a free mini-course to find out if this is the right job for you.
Benefits:
Transcription jobs from home are available remotely and work as many hours as you want.
Set your own schedule.
Make money by meeting deadlines.
Pay: Generally, transcriptionists earn around $19 per hour in the US, but this can be more depending on your employer.
23. Graphic Designer
Graphic design is an excellent job for working moms with no degree, as it allows for significant flexibility in working hours and can be done from home.
As a graphic designer, you will be responsible for creating logos, designing websites, and developing marketing materials such as brochures and flyers. To succeed in this field, you’ll need to be creative, detail-oriented, and able to work with clients to meet their specific needs.
Benefits:
Balance their family responsibilities with a fulfilling and rewarding career.
Perfect to showcase your creative side.
Pay: With a median annual wage of $48000 per year, graphic design is a lucrative career that offers plenty of room for growth and advancement.
24. Online Coach
Being an online coach is a great job for individuals who are looking to earn money online without a degree. While some online coaches do gain certifications, it is not always necessary.
There are several types of coaching fields to enter, including career coaching, life coaching, health coaching, family coaching, and fitness coaching. It is advisable to choose a field that you have experience in or feel comfortable handling.
As a life coach, for example, you can assist clients in achieving their goals, dealing with self-esteem issues, or working on relationships.
Benefits:
Freedom to set your own schedule and work from home, which allows you to balance work and family responsibilities.
Potential to earn a good income, especially if you specialize in a high-demand niche and build a strong client base.
Viable career option for working moms without a degree.
Work remotely from their computers and communicate with clients online.
Pay: Most coaches make between $30 an hour – 100 an hour pending experience.
25. Counselor
Counseling is indeed a vital service that plays a crucial role in helping individuals and families overcome difficult challenges.
As a counselor, you work closely with clients to address various issues and support them in achieving their personal and professional goals.
Counselors can work in diverse settings, including private practices, mental health centers, schools, substance abuse centers, or government institutions. This allows for a wide range of opportunities and flexibility in terms of work environment and schedule. Additionally, advancements in technology have made it possible for counselors to provide their services online, further expanding the accessibility and convenience of counseling.
Benefits:
Flexibility to work part-time or full-time.
Making a positive impact on the lives of others and contributing to their well-being is a significant aspect of counseling that attracts many individuals, including moms, to pursue this profession.
Offers a fulfilling and financially rewarding career path.
Pay: The average hourly rate for counselors is $39 an hour.
Other Jobs Options to Consider:
Home Health Aide: Care for patients in their own homes. Many opportunities for part-time work.
Personal Care Aide: Assist clients with daily tasks such as bathing, dressing, and grooming. Flexible schedules are available.
Event Planner: Plan and organize events such as weddings, conferences, and parties. Can often work on a freelance or contract basis.
Photographer: Take photographs for a variety of purposes such as weddings, events, or marketing materials. Can often work on a freelance basis.
Personal Trainer: Help clients achieve fitness goals through exercise and nutrition coaching. Can often work on a freelance or contract basis.
House Cleaner: Clean homes or businesses on a regular basis. Offers flexibility in terms of schedule and workload.
Online Tutor: This job involves teaching students online in various subjects. Skills required include teaching ability, subject expertise, and communication. To balance work and family life, set a schedule and prioritize family time.
Translator: This job involves translating written or spoken content from one language to another. Skills required include fluency in multiple languages, attention to detail, and communication. To balance work and family life, set a schedule and prioritize family time.
Pet Sitter/Dog Walker: This job involves caring for pets while their owners are away. Skills required include love for animals, responsibility, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
Personal Shopper: This job involves shopping for clients and delivering their purchases. Skills required include organization, communication, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
What to consider when choosing a job for working moms without a degree?
Working mothers without a degree face many challenges when it comes to finding a job.
They need to find a balance between their family and career commitments, and they also need to find a job that is flexible enough to accommodate their schedule. Here are the things to consider when looking for a new job.
1. Hours and Shiftwork
For working moms being able to control their own schedules allows them to be present for their children’s needs while also earning an income is extremely important. It is important to consider the hours you have available to dedicate to a job along with the shiftwork necessary when choosing a job.
Think about whether you want to go part-time or full-time.
Also, weekend shifts are also an option for those who need to work around their family’s schedule. Even better, remote work has become increasingly popular and offers even more flexibility.
2. Salary
Salary considerations play a significant role in achieving this stability a mom desires.
It is essential to explore different salary options and negotiate to ensure that you are being fairly compensated for your skills and experience.
Consider starting salary, the potential for growth, benefits packages, and negotiation when exploring job options.
3. Responsibility and Stress
As any working mom can tell you, being a working mom can be an incredibly stressful experience. Mothers often have to balance their work responsibilities with household chores and childcare, which can be overwhelming.
Finding a job that balances responsibility and stress is crucial for working moms to maintain their mental and physical health, and to be able to provide for their families.
4. Level of Education Required
As a working mom, it is important to consider the level of education required when choosing a job.
Plus, it is crucial to research job requirements and considers personal interests and skills when selecting a job. By doing so, working moms can find a job that offers flexibility, decent pay, and job satisfaction.
5. Professional Licenses and Certifications
Obtaining, professional licenses and certifications is an excellent way for working moms without a degree to increase their job opportunities, earn higher salaries, and improve job security.
These certifications and licenses are often required for specific industries, such as healthcare, education, and law enforcement.
With so many options available, it’s important for working moms to explore the various certifications and licenses that are relevant to their industry and career goals.
6. Work-Life Balance
Balancing work and family life is a challenge for anyone, but it can be particularly daunting for working moms.
However, there are several factors to consider when choosing a job that can help achieve a work-life balance:
Flexible Work Hours: A job with flexible work hours can help working moms without a degree balance their work and family responsibilities. This can include part-time work, remote work, or jobs that allow for flexible scheduling.
Remote Work Options: Remote work can be an excellent option for working moms without a degree who need to work from home.
Company Culture: A supportive company culture can make all the difference for working moms. Look for companies that offer family-friendly policies such as paid time off, flexible work schedules, and on-site childcare.
By prioritizing work-life balance, working moms can achieve success in both their personal and professional lives.
7. Vacation and Time Off
For working moms without a degree, vacation and time off are crucial benefits to consider when evaluating a potential job offer.
Here are three factors to consider when reviewing a company’s vacation and time off policy:
The number of vacation days offered, including paid time off for sick days and personal days.
The flexibility of the policy, such as the ability to take time off for family emergencies or unexpected events.
The potential for extended leave, such as maternity or paternity leave.
8. Career Advancement
When considering a job as a mom, career advancement is an important consideration. It is essential to choose an employer and a job that offers opportunities for growth and progression in your chosen field.
Advancing in your career not only allows you to achieve personal and professional goals but also provides financial stability and job satisfaction.
Don’t underestimate the power of setting clear career goals and actively working towards them.
By investing in your skills, building a strong network, and setting clear career goals, you can pave the way for a successful and fulfilling career as a mom.
9. Job Security
Job security is especially significant for working moms, who may face more challenges in finding and keeping a job.
Typically, working moms are limited in their job options.
So, look for careers that provide financial security as well as companies with a solid track history.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
FAQ
You can search for remote jobs, part-time jobs, or freelance gigs.
You can also look for companies that have flexible policies in place. Also, reach out to your network and ask if anyone knows of any openings that are flexible.
Stay-at-home moms can find a variety of jobs that can be done from home and offer flexibility to work around their schedule. Here are some of the options available:
Working from home offers the benefit of having a better work-life balance and the ability to be present for their families while still earning an income.
Which Job for Moms will You Choose?
For moms who want to balance family and career, finding a job that offers work-life balance and career growth is crucial.
Not only can working increase income, but it can also lead to career advancement and personal fulfillment.
Above, we listed many great jobs for moms. You can choose a job that allows you to work from home, or one that provides flexible hours. Also, many moms like me prefer one of these early morning jobs.
Whatever you choose, make sure you find a job that you enjoy and that allows you to spend time with your family.
Know someone else that needs this, too? Then, please share!!
The Medieval period was a time characterized by rampant violence, widespread diseases, and limited technological advancements. Despite the various challenges of the era, people had to eke out a living and, as a result, often had to take on jobs that were perilous and repugnant. Many workers faced physical harm or even death. We’re exploring some of the most dreadful jobs that people had to endure during the Dark Ages.
1. Executioner
Photo Credit: Shutterstock.
During the Dark Ages, one of the most dangerous and dreaded jobs was that of the executioner. The executioner was responsible for carrying out sentences of capital punishment, which often included beheadings, hangings, and burnings at the stake. The job was unpopular and considered taboo in society, resulting in executioners being ostracized and shunned. However, despite the risks and stigma, executioners helped to maintain law and order during this period of history.
2. Tanners
Photo Credit: Shutterstock.
During the Dark Ages, tanners had the hazardous and unpleasant job of transforming animal hides into leather goods. They used toxic chemicals, such as lime, urine, ammonia, and formaldehyde, to remove hair and flesh from the skin and to tan the hides. Exposure to these chemicals led to chronic health issues, including respiratory problems and skin diseases. The pungent smell of tanneries made Tanner social outcasts, and they were shunned by others. Despite the risks and social stigma, tanners were in high demand as their products were essential to the economy.
3. Plague Burier
Photo Credit: Shutterstock.
The Plague Burier was a dangerous and gruesome job during outbreaks of the bubonic plague. Workers were hired to collect and bury the dead, exposing themselves to the highly contagious disease. The job was also emotionally taxing, as they had to handle the bodies of friends and family members, often without protective gear or proper burial equipment. Despite the risks, the job was essential in preventing the spread of the disease and ensuring the health of the community.
4. Rat Catchers
Photo Credit: Shutterstock.
During the Dark Ages, rat catching was a crucial profession that involved trapping and killing rats, which were considered significant problems and disease carriers. Rat catchers would use a variety of methods such as traps, trained animals like dogs and ferrets, and poison to catch rats, mainly in urban areas where there was a higher concentration of people and waste. Despite its importance, rat catching was often viewed negatively and stigmatized as a dirty job associated with the lower classes. Nonetheless, rat catchers played an essential role in controlling the rat population and preventing the spread of diseases.
5. Gong Farmer
Photo Credit: Shutterstock.
The gong farmer was a profession during the Dark Ages that involved the cleaning and maintenance of privies and cesspits. The workers used shovels and buckets to remove waste and disposed of it outside the town or city. Although vital to public health, the job was stigmatized, and gong farmers were considered lower class and shunned by society. They often had to work at night to avoid being seen. Despite these challenges, gong farmers played an important role in promoting sanitation during the Dark Ages.
6. Leech Collector
Photo Credit: Shutterstock.
Leech collectors were individuals responsible for gathering medicinal leeches from freshwater environments such as rivers and ponds. They would collect the leeches using their bare hands or special tools and then sell them to medical professionals for use in bloodletting procedures. The profession was physically demanding and potentially dangerous due to the risk of diseases and poisonous leeches. Although bloodletting was not always effective and could harm patients, leech collecting remained a common profession until modern medicine made it largely obsolete.
7. Sin Eater
Photo Credit: Shutterstock.
During the Dark Ages, sin eaters were hired to eat food placed on the chest of a deceased person as a ritual to absolve the sins of the departed. The belief was that the sins of the deceased would be transferred to the sin eater, allowing the person to go to heaven without carrying their sins. Sin eaters were often outcasts from their communities and were paid a small fee or given food and drink for their services. Although the practice was not officially recognized by the Church, it was widely accepted among common people, particularly in rural areas. The tradition continued into the 19th century but eventually declined as Christianity became more widespread.
8. Groom of the Stool
Photo Credit: Shutterstock.
The Groom of the Stool was a personal attendant to the English monarchs. The primary responsibility of the groom was to assist the king with his personal hygiene, specifically with the elimination of waste. This job was highly coveted, as it gave the Groom access to the king’s inner circle and could lead to positions of power and influence. However, the job was also considered unpleasant and degrading by many, and the role gradually lost its significance as the practice of private elimination became more common.
9. Fuller
Photo Credit: Shutterstock.
Fullers were individuals in the Dark Ages who were responsible for processing raw wool and turning it into a finished textile. They used various techniques such as soaking, pounding, and stretching to clean and thicken the wool. The job was physically demanding and required long hours of labor, often with low pay. Fullers were also exposed to a variety of chemicals and harsh substances, such as urine and soap, that were used to treat the wool. This exposure led to a variety of health issues, including skin diseases and respiratory problems. Despite the dangers and difficult working conditions, fullers played an important role in the textile industry and were highly valued for their skills.
10. Lime Burner
Photo Credit: Shutterstock.
The lime burner was a profession in the Dark Ages that involved producing quicklime by heating limestone in a kiln. This process produced a highly caustic substance that was used in various industries, such as construction and agriculture. However, the job was extremely dangerous due to the exposure to toxic fumes and the risk of explosions from the kiln. The lime burners were also looked down upon by society and were often associated with criminals and outcasts. Despite the hazards and stigma, lime burners played an important role in the economy of the medieval period.
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Moving can fire up a rollercoaster of emotions. The early rush of excitement may give way to stress over the looming to-do list of all that needs to happen before the big move.
Like any life transition, moving requires a lot of preparation. Thankfully, there’s no shortage of ways to help streamline the process.
Below are some tips that could make moving more efficient, including a guide to common costs to prepare for.
How to Streamline a Move
Here are a few helpful suggestions whether you’re easing into a new townhouse, apartment, condo, or home.
Get Rid of Unwanted Items
Moving is a chance to let go of items that have gone unused for months or years.
In addition to being able to get rid of unwanted “stuff,” decluttering can help you cut back on moving expenses. With fewer things to move from point A to point B, there’s less need for packing materials or an extra large moving truck. It may even help make the move speedier and more cost-effective, since there’s less stuff to carry (or pay someone else to carry). What’s more, reducing how much you have can also help ensure your new place won’t feel overstuffed.
Prepare Early
As you declutter, it can be useful to identify boxes and packing materials needed during the move, such as packing tape, markers, labels, scissors, newspaper, and bubble wrap. Why spend money on new cardboard boxes when there are likely unused boxes already lying around your home or at friends’ places? A visit to local recycling drop-off points may be in order, as it’s possible they’ll have free cardboard boxes available there, too.
Consider starting off your packing a few weeks ahead of time, with non-essential items like out-of-season clothes or kitchenware that’s rarely used. And consider taking photos of all valuable items as you go. This way, if anything breaks or movers damage something during the move, it will be easier to file a claim and receive reimbursement for it.
Tie Up Loose Ends
Moving to a new area? Consider making a list of everyone you’ll want to contact once you’re settled in your new place.This may include:
• Friends and family members
• U.S. Post Office
• Employers
• Credit card companies and other financial institutions
• Service providers (e.g., water bill or internet)
If you’re hoping to keep utilities or services with a specific provider, it may help to call ahead of time to verify if those services are offered in the area you’re moving to and if the service can be transferred to your new address on or after move-in day.
Keep in mind if you’re starting a new service with a new company, you may need to notify them weeks in advance so they have enough time to schedule a technician’s visit or mail out the necessary equipment.
If you’re leaving the region, you’ll also want to make a note to cancel recurring memberships at local-only businesses, such as gyms and fitness centers.
Organize Moving Documents
From leases to service contracts to quotes from moving companies, there’s a lot of paperwork to manage with a move. It can help to keep all important documents organized in a single folder (and be sure to print out a copy of any documents sent to you electronically). Some paperwork to include in the moving folder could be:
• Old leasing agreements
• A new signed lease (if renting again)
• Invoices from professional movers
• Receipts associated with the move
The paperwork may even come in handy after you move. Members of the U.S. Armed Services may be able to deduct moving expenses, for example. And some companies will reimburse employees who are moving to accept a new job for common moving expenses. Talk to your human resources department to find out if you qualify and which receipts or invoices will be required for documentation.
Prepare a Tip for the Movers
For those who plan to hire professional movers, setting aside cash in an envelope could help when it comes time to tip. Often, people tip their movers if they’re happy with the job they completed. Taking out cash the day before a move can simplify tipping, as it’s one less thing to think about during moving day.
Recommended: The Ultimate Moving Checklist
Common Moving Expenses
When budgeting for a move, it can be useful to plan for expenses that can add up quickly.
Understanding Professional Moving Costs
If you’re moving yourself, plan on paying an average of $50 per day to rent the truck, and budget more for mileage, gas, tolls, and other expenses.
If you’re hiring professionals for the job, you can expect to pay quite a bit more. An in-town move that uses a team of two movers could cost an average of $80 to $100 per hour, according to Consumer Affairs. Moving to another state? Be prepared to spend upwards of $5,000 or more, depending on how far you’re going and the amount of stuff you’re hauling.
You may also want to consider whether to budget for packing services, which typically runs anywhere from $300 to $500, and moving insurance, which protects you in case your items are lost or damaged during the move.
If you’re looking to save a little money — and your schedule is flexible — you may want to look into moving during the middle of the week or middle of the month, when demand tends to be lower.
Estimating Transportation Costs
In addition to budgeting for the cost of moving your things, it’s good to calculate the expense of transporting yourself to your new home. Be sure to factor in expenses such as flights, lodging, food, rental car, and gas.
Other Supplies and Expenses
You might already be loading up on bubble wrap, packing tape, boxes, and labels. But there may be other moving-day essentials to consider.
1. Cleaning supplies: Many landlords expect outgoing tenants to leave a property just as they found it: clean and empty. Be sure you have a mop, broom, cleaners, and sponges on hand.
2. Repairs and renovations: Whether you’re patching holes in your old place or making upgrades in your new home, consider budgeting for any renovations or repairs.
3. Furniture and other home items: You may find that when you move into your new space, you need to buy some new furniture. You may want to set aside a little extra for these purchases.
4. New license and vehicle registration: If you’re moving across the country, you may need to calculate the cost of getting a new driver’s license and registration in a different state. Fees for getting a new license and vehicle registration vary by state.
Recommended: Things to Budget for After Buying a Home
The Takeaway
Whether you’re relocating across town or across the country, moving can be exciting. But it can also be stressful and expensive. To help streamline the process, you can remove and donate any unwanted items, assemble your supplies and the movers’ tip ahead of time, organize all the moving documents in one place, and alert family, friends, employers, and creditors of your new address.
It also helps to prepare your budget. A DIY move is often the most affordable option — on average, it costs around $50 per day to rent a truck, which does not include mileage, gas, tolls, and other expenses. A professional mover costs substantially more. An in-town move that uses a two-person team may cost around $80 to $100 per hour, but that price could climb into the thousands for an interstate move.
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The Bank of England raised interest rates in June from 4.5% to 5%.
The significant 0.50 percentage point increase had been widely feared following the announcement from the Office for National Statistics that inflation had remained at 8.7% in May – more than four times the government’s target.
June’s rate rise marks the 13th since December 2021 when Bank rate stood at just 0.1%. It puts Bank rate at its highest level since 2008 and has applied further pressure on the cost of borrowing.
Volatility and uncertainty
Mortgage rates first rocketed after last September’s mini-Budget, which triggered market uncertainty and sent the pound crashing to historic lows. At the time, major lenders including NatWest, Barclays, Halifax and Virgin Money pulled deals and brought them back to market at higher prices.
While mortgages costs have undergone a correction since then, there’s been a more recent flurry of lenders putting up the cost of deals as Bank rate continues its relentless climb in the face of high inflation (more on this below).
Free Mortgage Advice
Better.co.uk is a 5-star Trustpilot rated online mortgage adviser that can help you find the right mortgage – and do all the hard work with the lender to secure it. *Your home may be repossessed if you do not keep up repayments on your mortgage.
Average and best costs of popular deals
According to our mortgage partner, Better.co.uk, the average cost* of a two-year fixed rate deal today stands at 5.69%. The average cost of a three-year deal is 5.39%, while five-year fixes now stand at 5.31%. Just yesterday, both three- and five-year deals were priced at 5.29% on average.
Many mortgage lenders had already ‘priced in’ the most recent Bank rate rise into their costs. However, lenders across the board are continuing to raise fixed rates and pull deals.
According to Better.co.uk, the most competitive two-year fixed rate today stands at 4.99%. The best three-year fix is priced at 4.93%, and the best five-year at 4.82%. The average two-year tracker rate today is at 5.43%, which compares to 4.89% for the leading deal of its kind.
Lenders’ typical standard variable rate (SVR) today stands at 7.34%, according to Better.co.uk. Average SVRs a year ago in May 2022 were just 4.53%.
On 1 June, there were 4,967 residential mortgage deals on the market, according to Moneyfacts. The number of available mortgages had plummeted to around 2,560 following last Autumn’s mini-Budget.
Interest rates and mortgages
So what does the latest June Bank rate rise mean for the cost of mortgages?
The estimated 1.4 million homeowners (according trade body, UK Finance) on variable rate deals, such as base rate trackers, will see an almost immediate rise in their monthly repayments following the latest Bank rate rise to 5%.
As an example, a tracker rate rising from 5% to 5.5% costs around an extra £58 a month on a £200,000 loan taken over 25 years, with monthly repayments rising from £1,170 to £1,228.
Borrowers on fixed-rate deals, where the interest rate is locked in for, say, two or five years, won’t see any difference in their monthly payments. However, when the deal expires – as will be the case for over 500,000 mortgage holders during the remainder of 2023 – available mortgage deals will be much more expensive.
You can work out the monthly cost of a mortgage against various interest rates with our Mortgage Calculator.
House prices and Stamp Duty
The latest major house price indices are all reporting falls in the value of UK property.
Nationwide’s house price report, published today (30 June), showed house prices fell by 3.5% in the 12 months to June, slightly steeper than the 3.4% annual drop posted in May. On a monthly basis, prices edged up 0.1% according the building society, taking average UK property prices to £262,239.
Halifax’s most recent house price report (published on 7 June) showed a fall in annual house prices for the first time since 2012. The cost of an average home in May (£286,532) was 1% lower than in May last year. On a monthly basis, prices remained flat, said Halifax.
Zoopla reported price falls of 1.3% in the six months to April, although still reports positive annual inflation of 1.9%.
Stamp Duty cuts announced in last Autumn’s mini-Budget raised the nil-rate band on the purchase of a property from £125,000 to £250,000. While u-turns were made on the other tax breaks announced under former Prime Minister Liz Truss, this one remained in place.
Why are interest rates rising?
The Bank’s MPC uses interest hikes as a means of cooling the economy and taming rising inflation.
The Consumer Prices Index (CPI) measure of inflation remained unbudged at 8.7% in the 12 months to May, the Office For National Statstics (ONS) announced today. While this is some way off its peak of 11.1% posted back in October, it should viewed in the context the government’s inflation target for the Bank of England which is just 2%.
One of the main longer-term drivers behind rising inflation is the cost of energy. Since 1 April, 2023 the energy price cap, as set by regulator Ofgem, has been pegged at £3,280. The cost refers to an annual bill for a dual fuel household paying by direct debit based on typical consumption.
However, the government’s own Energy Price Guarantee (EPG), which was implemented to protect households from rocketing energy costs, applies instead. Currently, the EPG is set at £2,500 a year.
The energy price cap will fall as of 1 July from £3,280 to £2,074. As this is below the level of the EPG, the price cap will once again apply and determine the cost of energy for households in England, Wales and Scotland until the end of September.
A new cap will then take effect from 1 October.
What mortgage deals are available?
With upwardly-mobile Bank rates, keeping track of mortgage costs is challenging – especially when rates change, and deals can be pulled, on a daily basis.
One simple way is use our mortgage tables, powered by Better.co.uk.
To find out what deals are available at today’s rates for the kind of mortgage you’re after, you’ll need to enter your personal criteria into the table below. Here’s what to do:
Select whether the mortgage is to fund a house purchase or if it’s a remortgage for an existing property
Enter the property value and the mortgage amount you require. This will automatically generate a percentage which is known as your ‘loan to value’. The lower your loan to value, the cheaper the mortgage rates available
Tick the relevant box if it’s a buy-to-let or interest-only mortgage (you’ll need a repayment strategy in place for these deals), or if you’re looking for a mortgage to fund a shared ownership property
Finally, filter your search by the type of mortgage you want, for example a two- or five-year fix or tracker. The filter is set to a complete mortgage term of 25 years but you can change this if required.
Here’s a live table of the mortgage deals available today.
What else do I need to know?
Mortgage deals offering the cheapest rates usually come with fees attached. You can opt to pay these upfront or add them to the loan. To factor in the cost of the fee, order your the results by ‘initial period cost’ (in the ‘Sorted by’ dropdown).
Alternatively, you can order results by initial rate, lowest fee or monthly repayment – even by the lender’s ‘follow on’ rate that the deal will revert to at the end of the term.
The very cheapest are reserved for bigger deposit amounts, usually of 60% of the property value or more. And, in all cases, you will need a sufficient income and clean credit history to be accepted for a mortgage.
If you want to see what your monthly mortgage payments might look like in different scenarios while overlaid with household bills, our Mortgage Calculator will crunch the numbers.
When can I start a remortgage?
Once issued, mortgage offers tend to be valid for six months, although a handful of lenders such as Skipton Building Society honour offers for up to 12 months. If you are looking to remortgage your current home, this means you can lock in a rate today – at no cost and with no strings attached.
How are average mortgage costs calculated?
*Average mortgage costs can vary between sources depending on how the data is gathered. Better.co.uk’s data refers to the average cost of the primary fixed rate mortgage recommendation that is issued to applicants based on their circumstances from its 100-plus panel of lenders.
The data counts remortgage and purchase loans but excludes SVRs, adverse credit, self-build and shared ownership. Data is collected at the end of each business day.
Better.co.uk targets applicants with a good credit history. Lower loan-to-values (under 85%) account for a significant portion of its business which can translate into cheaper loan rates.
Its average fixed rate costs may therefore appear lower than some others quoted on the market.
Doesn’t it seem like the minute Halloween is over, the next weeks fly right by, leaving you to scramble to get dozens of last-minute things taken care of before your guests arrive for Thanksgiving and Christmas? That’s because in addition to decorating your place with festive lights and holiday decorations, you pretty much have to get every room in your apartment ready for friends and family. And if you’re expecting overnight guests, you’ll need to make sure they have a clean, comfortable guest room to retreat to. All this adds up to a long to-do list — and if you’re smart, you won’t leave everything until the last week. Here are a few tips to avoid last-minute stress when preparing your apartment for the upcoming holiday season.
Give yourself plenty of time
Trust us – the earlier you start preparing your apartment for the holiday season, the easier it’s going to be. Make a list of everything you need to do before the first guest arrives, and plan ahead to get the big tasks done first in the weeks leading up to playing host to family and friends. Spreading out your chores over two weeks or a month will allow you to get everything done and will also leave you with enough energy to actually enjoy the holidays.
Make a clean sweep
Cleaning up and decluttering and pantry of any food that’s expired or gone bad. This way, you can see if you need to stock up on ingredients for your holiday meals and make sure you can prepare food in advance, store it until you need it and then freeze leftovers.
Give the refrigerator and freezer a good scrub while they’re empty. If you can, do as much cooking and cleaning in advance of your guests’ arrival. This way, you’ll be able to enjoy the party rather than stress over the details.
Then, focus your efforts on the rooms in your apartment where your guests will be most often. In your living room and dining area, store away stray items in baskets or bins, or pack them away in a closet until the holidays are over. The day before people arrive, you can dust and vacuum.
Ready your kitchen
If you’re cooking for a crowd, getting organized in advance is key. Make sure appliances like your food processor or stand mixer are in good working order and dig out things you don’t use very often — such as holiday cookie cutters and large serving platters — so everything will be at your fingertips.
And if it’s been a while since you deep cleaned your microwave and oven, now’s the time to tackle this task.
Prepare the guest room
If you have an extra bedroom you plan to put guests in but it’s full of stuff you’ve been tossing there for months, now’s the time to go through everything and purge. If there are clothes or other items you no longer use or don’t want, donate them to charity. Clear out at least one dresser drawer and part of the closet so your guests can unpack their things. Set up a welcome basket with travel-sized toothpaste, shampoo and other essential items. Put fresh linens on the bed – including an extra blanket. Dust and vacuum and then close the door so you don’t mess it up before folks arrive.
Get your front hall ready
Clear out half of your coat closet to make room for everyone’s winter jackets – you can stash your out-of-season items in a bin under your bed. Set up a few rubber shoe trays so people can leave their wet winter boots there to drip.
Transform your bathroom
Take some inspiration from boutique hotel designers and turn your bathroom into a spa-like retreat. Scrub it from top to bottom, and lay out fresh hand towels, soaps and shampoos. Add some votive candles, too. Stock up on suppliesyour guests will be using, such as toothpaste, paper towels, toilet paper and basic medications, so you don’t run out over the holidays.
To make sure your water pressure is at its full capacity here’s an easy trick to clean the shower head. Fill a small plastic bag with vinegar and place it over the shower head so it’s submerged in the mixture. Tie the bag to the shower pipe with twist ties or a rubber band and let the shower head soak in the mixture for a couple of hours. Remove the bag, pour the vinegar down the drain and run some hot water through.
Add some cozy, festive décor
Get into the holiday spirit by adding candles, holiday garlands, table runners and twinkle lights in your living and dining area. And outside on your balcony if you have one. Just be careful to use the right extension cords; indoor ones can’t be used outside, for example. To be sure you keep your apartment and guests safe, be mindful about how much you plug in – you don’t want to overload your electrical circuits and blow a fuse. You may also want to double-check your lease agreement to make sure you’re allowed to hang lights on the balcony.
Make more room for mingling by moving furniture closer to the walls and borrow extra chairs if you need them.
Anticipate colder temperatures
Winter holidays usually bring colder weather. You’ll want your guests to feel as comfortable as possible, so in addition to turning up your heat, walk through your apartment and check for any drafty windows. If you find any, you can either caulk them or get a draft stopper. A long pillow or piece of fabric that blocks out the cold air will work, too. Have a pile of warm throws on the sofa and extra pairs of slippers. People can warm up during the festivities.
Set up beverage stations
Your guests will appreciate being able to find what they need quickly. In the kitchen, set up a coffee and tea area with mugs and supplies. In the living or dining area, put together a DIY bar cart using a rolling cart or small table. Keep wine glasses, mixers and alcohol there, along with some non-alcoholic drinks.
Advance prep is the key to a joyful holiday season
You’ll be thankful that you took the time to prepare your apartment for the holiday season before your friends and family arrive. You can then enjoy time with your guests instead of running around at the last minute.
Wendy Helfenbaum is a Montreal-based journalist and television producer with 25 years of experience. She writes about real estate, design, architecture, DIY, gardening and travel for many publications and websites, including Apartment Therapy, Metropolis, AARP, Home in Canada, PBS’ NextAvenue, Realtor.com, Country Gardens and dozens more. Downtime passions include skiing, travel, DIY, waiting for the next Springsteen tour and hoping the Montreal Canadiens finally win another Stanley Cup.
I’m back! After ten days boating through southeast Alaska (and two days of recovery), I’m ready to think about personal finance once again. Actually, it’ll probably come as no surprise that I never stopped thinking about personal finance. Even while we were skirting among ice floes, pulling up prawns, and admiring whales, my mind never strayed far from the topic of money. (I’m not saying this is a good thing, but it’s the truth.)
It’d be all too easy for me to share another sermon about the perils of Stuff — when you spend ten days on a 38-foot boat, living out of a single carry-on bag, you come to realize how little you actually need in life — but I feel like I’ve beaten that topic into the ground over the past few months. I’m working to cut down my dependence on things, and I know that many of you are, too; let’s save further discussion for another day.
Today, I want to talk about the value of social capital.
Though I don’t mention it often around GRS, the idea of social capital is constantly lurking behind the scenes. It’s a notion that can be hard to define. In fact, rather than try to do so from scratch, I’m going to quote myself. The next section is an excerpt from my book, Your Money: The Missing Manual.
What is social capital? You create social capital — mutual goodwill — when you volunteer at a soup kitchen, help your neighbor move a piano, have your Sunday School class over for a barbeque, or join a softball league. Any time you participate in your community, you’re generating social capital, both for yourself and for the other people involved. People with lots of social capital can find help when they need it; those with little social capital can spend a lot of time frustrated and alone.
The classic Christmas film It’s a Wonderful Life is a great illustration of social capital. Jimmy Stewart plays George Bailey, a man who repeatedly forgoes his own interests to help his friends and neighbors. It costs him — financially and mentally. When disaster strikes, Bailey decides he’s worth more dead than alive, and plans to commit suicide so that the proceeds from his life-insurance policy can set things right.
In the end, Bailey is saved when all the folks he’s made sacrifices for over the years come to his aid. Sure, it’s a schmaltzy, feel-good moment, but it’s a fine example of social capital in action. When Bailey’s brother declares that George is “the richest man in town”, he’s not joking: Bailey may no have much financial capital, but he’s flush with social capital.
You don’t have to sacrifice your own interests to create social capital. You can often create win-win situations where everyone profits. But the best way to build social capital is to help others without expecting anything in return.
There’s more to wealth than just money. Social capital is just as real as financial capital — and often more valuable.
Note: For an in-depth look at social capital, pick up a copy of Bowling Alone by Robert Putnam. But be warned: It’s a dry read.
The extraordinary power of compound kindness Social capital comes from building a broad network of relationships, a network that you can draw upon to help yourself and help others. This isn’t networking in the smarmy, slimy sense, but in the authentic “I’m your neighbor and your friend” sense. A complex network of people will have thousands (millions!) of connections, creating a powerful web of support. (You can see great examples of this in Ben Franklin’s autobiography and in Keith Ferrazzi’s Never Eat Alone.)
These networks are usually built through everyday kindnesses. These actions compound (just like compound interest) to yield larger returns in the future. From my trip to Alaska, here are some examples of the sorts of small actions that help create community and help build social capital:
Southeast Alaska is peppered with small villages separated by large expanses of water. Boaters (and not just my skipper John) stop to check on each other, and on the people they know in out-of-the-way spots.
Another way to cope with this isolation is book exchanges. Many of the small airports and harbors contain bookshelves where folks can discard the books they’ve finished and pick up new ones. This is a brilliant idea!
We had miserable luck crabbing and fishing during the first part of our trip. One night, a small charter boat invited us over to share in the halibut they’d caught earlier in the day. Later, after we finally caught and filleted our first salmon, we handed off some of the meat to a passing boat.
Some of the summer boaters actually live in southeast Alaska. These folks have vehicles in their home towns, and they share them with other boaters they know well. When we docked in Sitka, for example, we were able to borrow a truck from Sailboat Bob so that we could run our errands and drive to dinner.
Every morning at 6:30, John gets on his ham radio to check in with the Great Northern Boaters Net, where dozens of different boats check in throughout the week, giving updates on their progress. This allows folks to keep tabs on each other, to ask for and receive advice.
These are just a few of the ways I saw social capital in action during my trip; there were many other examples, both large and small. Taken together, the community spirit I saw was amazing.
Social capital in real life Social capital plays an active role in your life, too. The broader your circle of friends, the bigger your family, the better you know your neighbors, and the more involved you are in your community, the more social capital you have. (And the more social capital you contribute to others — it’s a reciprocal thing!)
The Dark Side of Social Capital. As great as social capital is, it’s not without its downsides. Though they’re built on the same stuff I’m talking about here, Good Ol’ Boys networks can make it difficult for outsiders to become part of a group. Some people contribute only with the expectation of return. This sort of manipulative behavior leads to minor versions of Don Corleone from The Godfather: They’ll do you a favor, but only because they want you to owe them. For social capital to be productive, it has to promote the welfare of the community.
Here are some everyday examples of how you and I generate social capital:
When I loan my rototiller to a friend, that builds social capital. When I then crash my bike and have to ride to his house for first aid (yes, this really happened), that generates social capital.
When your community comes together to clean up a run-down park, that generates social capital.
You create social capital when you join a bowling league, a knitting circle, or a book group. You create social capital when you go to church or join a social club.
When you stop to help a stranded motorist, you’re creating social capital.
Social capital grows when you share the surplus from your vegetable garden with your neighbors and co-workers.
As you can see, social capital is most often generated by doing things that help other individuals — or your community. It exists everywhere, but some places have more of it than others.
I’m not sure why I was so struck by the community ties I saw in Alaska. Are these ties really stronger than elsewhere? Were they just more obvious because they took different forms than I’m used to? How can I learn to see (and contribute) to the social capital here in Oak Grove, Oregon?
I don’t have the answers to these questions, but I’ll certainly be thinking about them a great deal during the coming weeks. As I say, social capital is always lurking in the background here at Get Rich Slowly. There’s more to being rich than just having a lot of money; there’s real wealth in having a large network of friends, too.
Also don’t forget to follow Get Rich Slowly on Facebook and Twitter.
Looking to spruce up your home with DIY decor? If you’ve always been curious about crafts, now is the time to tackle 3D SVG crafts! Giving a whole new perspective to crafting, 3D SVG presents a fun challenge to crafters and DIY-ers everywhere.
What are 3D SVG Files?
3D SVGs are craft templates you can cut and assemble to achieve depth and perspective, i.e., the 3D effect. The SVG is 3D SVG stands for Scalable Vector Graphic, a type of graphic format that is infinitely expandable.
These awesome templates are typically made with paper, cardstock, and cardboard, though you can also use plywood in some projects. There are many ways to achieve the 3D effect, depending on the type of project you are working on. Among the most popular are layering, interlocking, and modeling.
Where Can You Find 3D SVG Files or Templates?
You can find 3D SVG files and templates in crafting or digital asset websites such as Creative Fabrica. Creative Fabrica has a dedicated library filled with 3D SVG files you can purchase and download with a subscription.
The best thing about getting SVG files from Creative Fabrica is that your download comes with a commercial license, which means you can sell the products you make with the templates (though not the templates themselves).
TIP: When downloading 3D SVG files from any website, make sure you check the usage license, especially if the files are for free.
3D SVG Crafts for Home Decor
3D SVG crafts are quite versatile, but they’re especially lovely additions to your DIY home decor. Here are some fun 3D SVG craft ideas you can create to deck out your living space.
3D paper flowers
Paper flowers are quite beginner-friendly and easily add a touch of daintiness to any space. You can make a flower bouquet arrangement to put in a vase or a wreath to hang on your door or as a table arrangement. It makes for a lovely gift as well.
Shadow Boxes/Lanterns
3D shadow boxes and lanterns make for great conversation pieces! They’re very versatile – you can hang them on a wall or deck out a bookshelf with them.
Because they’re fun to make, you’ll find yourself customizing a shadow box or lantern for different occasions. To bring them to life, beam them up with LED lights.
Seasonal/Holiday 3D Decor
If you want to veer away from store-bought holiday decor, going 3D SVG is the right path. 3D paper crafts offer plenty of 3D decor variety, from seasonal shadow boxes, wall decor, to small hanging ornaments and table centerpieces.
Hanging Decors
If you’re planning a themed party at home, commit to the theme by creating 3D hanging decors for your party space. They’re infinitely prettier than posters and balloons and will wow your guests.
Paper Sculpture
If you’ve always loved sculpture, you can make one yourself with paper! You can find 3D SVG templates for paper sculptures in various shapes, creatures, and sizes. They make interesting wall decor for your child’s room.
Basic Tools and Supplies for 3D SVG Crafting Projects
3D SVG crafts look very intricate so you might think that making them for the home requires complicated tools and supplies. While some may call for extra ornaments or pieces, most templates require basic crafting materials. If you’re still a newbie, here are the basics you’ll need for your crafting table:
Paper/Cardstock
The most recommended paper weights for 3D SVG crafting are from 65 lb to 110 lb, with 80 lb being the safest choice. However, the paperweight still varies per project, so it’s best to follow what the template calls for.
Glue/Adhesives
For adhesives, it’s best to have a few options at hand. Most 3D paper crafts will look best with PVA craft glue or any clear quick-drying glue. You’ll also want a hot glue gun, tape adhesive, and foam adhesives. For detail work, glue dots and foam tape work best.
Cutting Mat
Having a cutting mat is a must for crafting. It serves many purposes: it protects your table from your cutting implements, helps secure your materials in place when cutting, and keeps your cutting more accurate. If you use a cutting machine, you’ll also need a cutting mat that’s appropriate for your cutting machine model.
Tweezers
Tweezers are important for picking up tiny pieces of ornaments and arranging them on your papercraft with precision and ease. There are many types of tweezers available for crafting, so buying a set would be best for starters.
Cutting Machine
While you technically don’t need a cutting machine to craft, having one allows you the confidence to tackle more complex projects. The most popular cutting machines are Cricut and Silhouette.
Craft Knife/Scissors
Whether or not you’ll be using a cutting machine, having a craft knife or a pair of crafting scissors is a must for your basic crafting table. If you work with fabric, paper, and vinyl, be sure to have separate cutting implements for either material to keep your cutters in tip-top shape.
These are just the basics, and you’ll probably add more to your crafting arsenal as you go along. The best way to learn which tools and materials you need for a certain project is to follow the instructions in the template and match their recommendations as best as you can.
5 Tips for 3D SVG Crafting
New to 3D SVGs and want to elevate your craft? Here are some tips and tricks you’ll find helpful in your foray into the 3D crafting world.
Practice correct glue application
Excess glue or badly applied glue can ruin a project. This is quite hard to master so the only thing you can do is be patient with yourself to find the correct balance. A good tip is to apply tiny beads of glue. If you need to glue near the seams or edges, be extra careful and apply a thin layer to avoid leakage.
Have separate cutters and blades for paper and fabric
Different materials call for separate cutting implements, whether you’re using a pair of scissors or a cutting machine. Using fabric shears to cut paper will dull your blade, while paper knives may not be sharp enough to cut fabric cleanly.
Keep your hands glue-free
It’s easy to get glue everywhere when you’re crafting, especially if you’re not careful. Always have a paper towel nearby to clean your hands so you don’t get glue everywhere.
Follow instructions to a T
Craft designers take time to create detailed step-by-step instructions for a reason. Though you’re not required to follow everything, including the recommended materials, it’s best to keep faithful to the instructions, especially the sequence of assembly. How then can you practice your creativity? By adding your own touch to the materials or decor, whether it’s by switching up the colors or adding embellishments.
Start simple
As with any art or craft, mastering the basics is important. Be patient with yourself and start small. Once you’ve gotten the hang of things, you can then progress to more complex designs.
Deck Your Halls with 3D SVG Crafts
If you want to spice up your home with decorations you created yourself, crafting with 3D SVG is one excellent way to start. You can do it yourself or inspire the rest of your family or house members to collaborate. Once you’ve mastered the art, you might even want to try selling your creations or giving them away as gifts!
It’s that time of year again for family and friends to get together for seasonal festivities. It seems that from now until New Year, people will be hosting parties and gathering together for holiday meals. While it is the season for entertaining, it can be stressful to think about hosting a holiday meal if you live in an apartment or studio. But never fear! You can still have a big party and hearty meal. We’re going to teach you how to make a holiday meal in an apartment.
Say goodbye to party planning stress. Our straightforward tips will make you the “hostess with the mostest” this holiday season. Here are 13 ways to make an entire holiday meal in an apartment.
How to make an entire holiday meal in an apartment
It doesn’t matter what type of food you plan to cook — making an entire meal in an apartment requires preparation and planning. Regardless of the size of your apartment, you can prep, cook and serve a beautiful holiday meal by following these helpful steps.
1. Make a guest list
Before you even think about drafting up a menu, you need to create a guest list and determine how many people you can realistically host in your space. Cozy is good but cramped is not. Assess how many guests you can comfortably seat at your table and establish who you’ll invite to your gathering. Once you have the finalized number, you can start the meal planning.
2. Set a menu
From traditional Thanksgiving feasts to taco bars to one-pan recipes, hosting an entire holiday meal in an apartment is a lot of work. But, you can simplify the workload but jotting down the menu and everything needed to whip it up.
Start by identifying different food categories. You’ve got appetizers, side dishes, the entree, desserts and drinks. If you want to make a five-course meal, more power to you. However, it’s also perfectly acceptable to keep it simple with a nice entree, a salad and dessert, too. Whatever you decide to cook is up to you, but you need to plan out the menu and serving sizes ahead of time.
3. Decide if it’s family style or buffet style
To serve family style or buffet style. That is the question and there are pros and cons to both. Family style is nice because all of the food options are on the table when you sit down to eat and can be passed around. It makes serving easy and allows people to easily grab seconds (or thirds!) However, if you have a small table to begin with, family style can feel cluttered and might not even be an option.
Buffet style is great because you can set everything up in the kitchen, let people pick and choose what they want to eat and then head to the table to dig in. Buffet style is probably the better option in an apartment so you can avoid being arm-to-arm at the dining room table.
Whichever serving style you choose, make the decision in advance so you know how to dish up and serve your finished food products before your guests arrive.
4. Make a grocery list
Your menu is set and you know how many people you’re cooking for at this point. Now, it’s time to plan ahead and make your grocery list. Include everything from extra ice to the garnish that’ll dress up the turkey (or tofurkey!) Be precise about the quantities you need, too.
5. Cook things in advance
It’s important to note that not every menu item needs to be cooked the day of. When you live in an apartment, you’re likely tight on kitchen space. That means that making five courses the day of in the tiny kitchen isn’t your best bet. So, think about what can be done in advance. For example, you could chop up all your veggies the day before and put them in the fridge until you need them. Or, you could make roll dough a few days early and freeze it until you’re ready to serve it. If you can chop, freeze or make things in advance, you’re going to have more room and less stress the day of your dinner party.
6. Get out that slow cooker
A slow cooker is a great way to start preparing for the holiday meal in advance. In a slow cooker, you can put the ingredients in at once, set it to start cooking and then move on to your next menu item. Slow cookers don’t take up too much space on the counter which is helpful in a tight space.
7. Focus on one dish at a time
It can be tempting to try and multitask when preparing an entire holiday meal in an apartment. After all, you might be short on space and interested in speeding the process up. However, it’s important to focus on one thing at a time. Not only does it save space but it reduces chaos and helps prevent burnt or overcooked dishes.
Let’s say you’re making a traditional Thanksgiving meal. Start with the item that takes the longest to cook — the turkey. Get the turkey prepped and baking in the oven first of all. Check! Then, you can move on to peeling potatoes for the mashed potato side dish. Once that’s done, move on to candied yams and so on and so forth. Save the easiest tasks for the end. It’s easy to open a can of cranberries right before you serve the meal.
8. Remember that not every dish needs to be homemade
Store-bought goods are completely fine! It can be tempting to try and make everything from scratch but it’s not imperative. Save yourself time and space by determining what can be bought from the store versus what food is best homemade.
9. Optimize and add makeshift surfaces for extra space
Chances are that your apartment has minimal counter space. When prepping for an in-house holiday meal, clean off the surfaces in advance by storing the bread box and cookie jar in the pantry for now. Once you have open surfaces, you’ll have more space to chop, mix and whisk.
You can also make makeshift surfaces like an ironing board or the dining room table for extra storage space. Got a patio? Put all the drinks outside while you’re cooking so they are out of the way and chilled for guests who will arrive later in the evening.
10. Practice mis en place
The French phrase “mis en place” means everything in its place. And that couldn’t be more true than when making a meal for guests in your apartment. Finished peeling potatoes? Put the skins in the garbage can and empty it, put the peeler in the dishwasher and put the potatoes in the pot of boiling water before you move on to the next recipe. It’s much easier to clean up step by step than waiting until everything is baking to start the process.
11. Outsource menu items
If you want to make all the menu courses yourself, more power to you! However, it can be smart to assign dishes to your guests to bring, too. You can still own the main menu and ask guests to bring things like hors d’oeuvres, a side salad, soda or cocktail mixes. Potluck meals can be a great way to save a little money, create more space and try different recipes.
12. Cook one-pot meals
One-pot meals can be a delicious blend of everything good in one bite. If you’re tight on space, consider making one-pot meals instead of having four to five side dishes plus an entree. One-pot meals don’t lack taste but they definitely save on space.
13. Keep it simple and have fun
We all love the delicious food that’s prepared around the holidays but most of us like the company even more. You’re not going after a Michelin star so keep the meal easy, have fun and enjoy your guests. Don’t let the stress of cooking take away from the joy of gathering.
Host a big, flavorful party in an apartment with ease
So, we’ve gone over tips and tricks that explain how to make an entire holiday meal in an apartment. Now, it’s time for you to draft up your own guest list, set a date for your party and start meal prepping! We hope these helpful hacks will save you time and space and allow you to host a party people won’t forget.
Sage Singleton is a freelance writer with a passion for literature and words. She enjoys writing articles that will inspire, educate and influence readers. She loves that words have the power to create change and make a positive impact in the world. Some of her work has been featured on LendingTree, Venture Beat, Architectural Digest, Porch.com and Homes.com. In her free time, she loves traveling, reading and learning French.
